Credit Card Rates and Fees
Learn more about the rates and fees associated with Andrews Federal credit cards.
Key information you need to know
View rates, fees, and important disclosures for each Andrews Federal credit card option.
| Interest Rates and Interest Charges | |
|---|---|
Annual Percentage Rate (APR) for Purchases | Supreme After that, your APR will be 12.24% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Titanium Signature Rewards Supreme Rewards (Traditional) Supreme Rewards Signature Platinum Rewards Secured This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | Supreme Titanium Signature Rewards Supreme Rewards (Traditional) Supreme Rewards Signature Platinum Rewards Secured This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | Supreme Titanium Signature Rewards Supreme Rewards (Traditional) Supreme Rewards Signature Platinum Rewards Secured This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When it Applies | Supreme Titanium Signature Rewards Supreme Rewards (Traditional) This APR may be applied to your account if you: How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due. |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | None |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
|---|---|
| Annual Fee | |
| None |
Transaction Fees | |
| None |
| $10.00 or 2.00% of the amount of each cash advance, whichever is greater |
| None |
| $10.00 or 2.00% of the amount of each cash advance, whichever is greater |
| None |
| Penalty Fees | |
| Up to $25.00 |
| Up to $25.00 |
How We Will Calculate Your Balance:
We use a method called “average daily balance (including new purchases).” (See cardholder agreement for complete details.)
Promotional Period for Introductory APR - Supreme:
The Introductory APR for purchases will apply to transactions posted to your account during the first 90 days following the opening of your account.
Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card described in this application is accurate as of: October 1, 2023. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Supreme, Titanium Rewards Signature, Supreme Rewards (Traditional), Supreme Rewards Signature and Platinum Rewards Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Balance Transfer Fee (Finance Charge) - Titanium Rewards Signature, Supreme Rewards (Traditional), Supreme Rewards Signature, Platinum Rewards Secured: $10.00 or 2.00% of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge) - Titanium Rewards Signature, Supreme Rewards (Traditional), Supreme Rewards Signature, Platinum Rewards Secured: $10.00 or 2.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee:
$5.00 per document.
Rush Fee:
$25.00 for Domestic. Varies for International.
*APR=Annual Percentage Rate. We do business in accordance with the Equal Credit Opportunity Act. Must be a member of the credit union to open any loan account.
Additional Disclosures: